Minnesota Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Minnesota Drivers

Whether you’re heading out to enjoy one of Minnesota’s 10,000 lakes, or taking a shopping trip to the Mall of America, experienced drivers like you can feel protected by dependable car insurance when traveling along Minnesota’s roadways. The AARP® Auto Insurance Program from The Hartford1 has been protecting Minnesota AARP members and their families with car insurance coverage since 1984, and has earned a reputation for integrity and trust. Customers rate The Hartford highly for claims services, because they can rely on our car insurance to be there when it’s needed most.

If you want to request a car insurance quote, or learn more about buying car insurance in the state of Minnesota, we’re here to help.

Car Insurance Benefits Offered for Minnesota Drivers

The AARP Auto Insurance Program from The Hartford offers valuable benefits to Minnesota drivers. Our car insurance coverage for Minnesota drivers includes:
  • 12-month Rate Protection for car insurance policies
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Minnesota

To make sure you have adequate car insurance in accordance with Minnesota state law, drivers in Minnesota must carry Personal Injury Protection (PIP), and Liability coverage in the following amounts:2
  • $40,000 for Personal Injury Protection (PIP), per person, per accident
  • $30,000 for bodily injury, per person per accident
  • $60,000 for bodily injury, total per accident
  • $10,000 for property damage per accident

Minnesota Uninsured Driver Facts

According to a 2012 Insurance Research Council report, 10.8 percent of Minnesota drivers don’t have car insurance. Minnesota is below the national average of 12.6% of drivers who are without car insurance.3

Minnesota drivers are required to carry uninsured/underinsured motorist car insurance coverage to help pay medical bills after an accident caused by a driver without car insurance or a driver who does not have adequate car insurance coverage to pay your medical bills.

Your uninsured/underinsured motorist coverage must have the minimum coverage amounts of:2
  • $25,000 per person
  • $50,000 total per accident

Proof of Car Insurance in Minnesota

Minnesota drivers should keep their car insurance ID cards and registration in their car at all times. As a convenience, Minnesota also accepts electronic proof of car insurance, which means you can download The Hartford’s mobile app and save your ID cards right to your phone. Visit the App Store™ or Google Play™ for more information.

Additional Car Insurance Coverages Available to Minnesota Drivers

In addition to helping you meet Minnesota car insurance requirements, The AARP Auto Insurance Program from The Hartford offers additional car insurance coverage to provide for more security. Get a quote today to learn more about these great car insurance coverage options:
  • Comprehensive with Full Glass Coverage
  • Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments

Beyond Car Insurance: Minnesota Safe Driving Laws

As you travel through Minnesota, there are a number of safe driving laws meant to protect you on Minnesota’s highways and byways. Here are just a few:4

Minnesota Seat Belt Laws:

Minnesota is one of many states that have a primary seat belt law – which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation. 

Minnesota Distracted Driving Laws:

Minnesota has laws in place to discourage distracted driving:
  • New drivers in Minnesota are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Minnesota.

Minnesota Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Minnesota wants to be sure they stay safe in the process! Minnesota has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.